Tag Archive | "Jyske Bank"

Unimagined Opportunities


Times of great change (like now) require new solutions that create previously unimagined opportunities.

Yet we must face the burdens (and delights) of the future armed with educations created by the old ways.

Imagine putting old solutions to new problems.  What if Bill Gates had tried to develop a more efficient paper filing system?  Picture Jeff Bezos trying to develop a better land based supermarket instead of Amazon?   Would Larry Page and Sergey Brin had the same success if they had developed  a more efficient paper telephone book instead of Google?

They may have failed.  At best… they might have modest success.  By finding new solutions to circumstances created by change, each  built a fortune.

This is why Merri and I have want to create new solutions for learning in new ways.   You can learn how to learn more effectively as you gain better health and wealth this autumn… and attend one, two or three seminars, courses and workshops, plus save up to $408.

gary-scott

Autumn is almost upon us.  The woods display a colorful new dress and crisp air bites the finery of  crimson, orange and gold.  Forest sounds come alive… scurrying squirrels prepare for the winter’s nap… footsteps explode on frosted ground… and the wind sings its lullaby.

Merri and I will personally conduct two courses this autumn and use special music to help make them (and you) more effective.

Since the economy has not exactly rocketed back from the recession, we have lowered fees so you can attend more than one course or workshop.  I’ll explain the savings in a moment.

First, let’s face the music.  There is incredible power in sound.

Times really have changed.  We need to face the music that comes from change and ironically we can use music to help us in this process.

In a moment, we’ll see specifically what the power in music can do for us.

First, let’s view some science because one sound… OM… is now being scientifically researched.

sound-meditation

Photo from Guardian article linked below.

Excerpts from an article in England’s Guardian Newspaper entitled “Improbable research: The repetitive physics of Om” tells us more when it says:

Indian scientists wield sophisticated mathematics to dissect and analyse the traditional meditation chanting sound ‘Om’

Two Indian scientists are wielding sophisticated mathematics to dissect and analyse the traditional meditation chanting sound “Om”. The Om team has published six monographs in academic journals. These plumb certain acoustic subtleties of Om, which these researchers say is “the divine sound”.
Om has many variations. In a study published in the International Journal of Computer Science and Network Security, the researchers explain: “It may be very fast, several cycles per second. Or it may be slower, several seconds for each cycling of [the] Om mantra. Or it might become extremely slow, with the mmmmmm sound continuing in the mind for much longer periods but still pulsing at that slow rate.

The important technical fact is that no matter what form of Om one chants at whatever speed, there is always a basic Omness to it.

Ajay Anil Gurjar and Siddharth A Ladhake published their first OM paper, Time-Frequency Analysis of Chanting Sanskrit Divine Sound “OM”, in 2008 in the International Journal of Computer Science and Network Security.

Ladhake is the principal at Sipna’s College of Engineering and Technology in Amravati, India. Gurjar is an assistant professor in that institution’s department of electronics and telecommunication. Both specialise in electronic signal processing.

They now sub-specialise in analysing the one very special signal.

In the introductory paper, Gurjar and Ladhake explain (in case there is someone unaware of the basics): “Om is a spiritual mantra, outstanding to fetch peace and calm. The entire psychological pressure and worldly thoughts are taken away by the chanting of Om mantra.”

No one has explained the biophysical processes that underlie this fetching of calm and taking away of thoughts. Gurjar and Ladhake’s time-frequency analysis is a tiny step along that hitherto little-taken branch of the path of enlightenment.

They apply a mathematical tool called wavelet transforms to a digital recording of a person chanting “Om”.

Merri and I experience the power of sound… every day…  we enjoy the benefits inherent in music and the sound Om.  This is why we developed our Super Thinking plus Spanish and Quantum Wealth courses… to use this power for greater health, wealth and fulfillment… 300% of life.

The power of music (frequencies in tune with the flow of nature) rests in the fact that certain kinds of music creates order out of chaos.

Yehudi Menuhin expressed the power of music in his book “Theme and Variations” this way: Music creates order out of chaos; for rhythm imposes unanimity upon the divergent, melody imposes continuity of the disjointed, and harmony imposes compatibility upon the incongruous.  Thus a confusion surrenders to order and noise to music, and as we through music attain that greater universal order which rests upon fundamental relationships of geometrical and mathematical proportion, direction is supplied to mere repetitious time, power to the multiplication of elements, and purpose to random association.   

Sound… as seemingly as simple as OM… can give us almost unimaginable learning power.

Many ancient cultures understood that music embodies, within its tones, elements of the celestial order that govern the universe.

As in music, so in life. Audible sound, including music, manifests from the most fundamentals vibrations that weave the universal tapestry.

One thread that weaves through this blanket of reality is OM.   Long before Western scientists began investigating music and sound in a scientific way, many wise philosophies and sciences were divined from the primal sound… expanding through mathematical grace to the point where an infinite unbounded intelligence could be glimpsed… and even used via the human form.

The Chinese for example believed that the primal sound is present in all things as a divine frequency.  This one unifying vibration then divides into twelve sub frequencies that could be measured.   This realization created astrology… the study of the Cosmic Tone.

Many  ancient beliefs about sound… chants… music… are being restated by studies in numerous fields… quantum physics… medical research (see the studies of neurosurgeon Dr. Karl Pribram) and computer sciences as shown above.

What can the power in music do for us?

First, the power in music can help us be healthier.

I recently took extensive physical exams and based on heart, lung and various organ capacities and are said to be nearly 15 years younger biologically than chronologically.

I do not get very caught up in numbers like this but do believe that Merri’s and my substantial energy, enthusiasm and happiness and the fact that we have not needed an MD… or medication for any type of sickness in over 30 years, has a great deal to do with the fact that  we use music extensively to integrate our mind with our body.

For example just listening to certain baroque music can reduce blood pressure and heart beat.

Second, the power in music can help us be wealthier. Again and again, at times when stock markets seem at their best, I have been able to provide readers with investment warnings because I study market frequencies while listening to musical frequencies.  Using music to integrate brain waves and induce more holistic thought about society, economics and markets helps see through the dangerous noise of daily movement to spot upcoming realities.  This ability to defy the common knowledge… outwit trends… and not be swayed by the herd… so we can spot value creates the energy to generate everlasting wealth.  

Third, the power in music can make us more intelligent. Actually a better way to describe this is to say that music helps our logic connect with and use the infinite wisdom that we are and already possess.

There is enormous power in sound and it is available to all of us… almost free. We can use sound and music for better health… increased wealth and fulfillment.   We hope that sounds good to you because we are offering the power of sound in three ways that we call the ABC of power learning:

#A: International Investing and Business plus Quantum Wealth seminar. This course is divided into three parts… international investing…. how to have a micro business AND quantum wealth.

The international investing portion of the seminar reviews all the updates I shared (and gained) at Jyske Bank’s 9th Global Wealth seminar with Kenneth Rogoff, Jeff Rubin, Tommy Leung, David Darst and many other global investing experts.

gary-scott-copenhagen

I was privileged to speak about multi currency investing, but also was able to listen to a wealth of knowledge as well.

gary-scott-copenhagen

Here is a panel at the Copenhagen seminar including Lars Stouge and Thomas Fischer of JGAM, plus Peter Berezin of BCA Research and David Darst of Morgan Stanley plus yours truly.  These were incredible learning sessions for me and we’ll share what I gained in October.

Thomas Fischer of Jyske Global Asset Managment will join us also to speak at this seminar.

This October 7 to 10  course goes beyond just investment ideas.

In the second portion of the course, my webmaster, David Cross, and I will share ways to develop income and gain the freedom to live where you desire in these difficult times with a micro business.

The third portion of this seminar looks at quantum wealth and health.  We have been incorporating these ideas into our courses and seminars for decades and have added this extra one day Quantum workshop to help solidify and make the financial and business data more usable.

The foundation of Quantum Wealth is to integrate:

* Logic with intuition.  The benefit is increased prosperity from better adaptation to change.

* Desire with action.  The benefit is more enjoyment and fulfillment from life.

* Good health with everlasting wealth. The benefit is reduction of stress, more energy and feeling better.

Join us here, at our North Carolina home.

Bringing delegates to our home for an afternoon treat is an example of a quantum wealth benefit.

This seminar is not only education but it is fun.

International-Investments

Delegates enjoy coming to our home during the “Quantum Wealth – International Business & Investing Seminars” Here is a group at our North Carolina home.

Yet there is more.  This process helps delegates hear, see and feel the authentic reality of the ideas we share.  We do not spout ivory tower, unattainable theory.  Our seminars share what we do… how we live… and how we have developed our lifestyle. Our mission is to help you see what we do, so you can blend our lessons into a lifestyle that is better… happier… richer…easier for you.

I have never heard of other seminars offering this… an integration of what we speak about with our actual “at home” lifestyle.

Here are the 21 main points we cover in our one day Quantum Wealth Workshop.

#1: Quantum mechanics & frequency how they all connect.

#2: Three aspects of being – air – fire – water… how to balance and integrate them.

#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation.

#4: The Andean – Indian Connection. How Ayurved and Andean relate.  Three fundamentals of longevity. Eat right, work hard and sleep well. Nutrition, exercise and purpose.

#5: How dis-ease develops and is stopped.

#6: Nutritional goals: Improve digestion, avoid dis-ease here first.

#7: How to use cleansings. Melon, pineapple, apples-grapes, vareshna, chelating, cinnamon-sweet pepper tea, steam and mists.

#8: Teas. How and when to use cedron, chamomile, lemon verbena, peppermint.

#9: Relaxers. How to use chamomile, valerian, lettuce and milk, hot water, vata press.

#10: Fire reducers. How to use peppermint tea, aloe, cream massage, frozen grapes.

#11: Water reducers. How to use cinnamon tea, paprika, cloves, ginger, ginger-black salt and lemon juice.

#12: The power of ritual & routine. When to eat, think, exercise.

#13: How to spot imbalances. Moods, physical signs. pulse testing.

#14: Quantum leap. How energy, colors, organs, glands work together and change every seven years.

#15: Shamanic exercises-yoga, llama walk, lizard, sun salute, crab and mouth release, ring chew, etc.

#16: Deeper Digestion.

#17: How to use the senses, taste, six flavors.

#18: How to use color for greater balance.

#19: How to use sound for greater balance.

#2o: How to use essential oils for greater balance.

#21: How to use music.

This seminar takes place during the autumn leaf change in the Blue Ridge mountains, West Jefferson North Carolina.

Then in November as winter’s cold strikes the north we head to Florida for our B & C courses.

#B: How to gain Super Thinking abilities, increased intelligence and super thinking into our Super Thinking + Spanish Course for many years but now have added this to our international investing and business seminars to create quantum wealth. This course teaches how to listen to music for more energy, power, intellect better health and everlasting happiness and wealth.

Music helps integrate four categories of brainwaves, ranging from beta waves, the fastest of the four different brainwaves to alpha, theta and the final brainwave state, delta. Delta brainwaves are of the greatest amplitude and slowest frequency.  Deep dreamless sleep takes you down to the lowest frequency.

Merri and I listen to 60 beat, ten cycle classical music as we work.  We allow these waves to interconnect freely so gain unimaginable energy and thoughts that go beyond ourselves as the music relaxes, enhances and opens our intuition.

The right types of music moves the mind into Alpha and even deeper states of knowing.

Health benefits are gained as blood pressure can drop, heart rates slow and the mind becomes calmed… and you become smarter.  You tap into your higher intelligence and are more likely to have… and  enjoy… success.

Super Thinking plus Spanish looks at how to use super thinking to tap into deeper intelligence and what to do with this intelligence in business, investing and life so you improve the way you absorb, retain, recall information and think forever. To prove the point you learn Spanish in just four days.

Immediately after this November 4 to 7 course in Mt. Dora Florida, we have added a brand new two day workshop.

#C: “NAAD YOGA – REALIZING THE NATURE OF REALITY THROUGH SOUND.”   This two day workshop on Vedic music teaches how to make music for more energy, power, intellect, better health and everlasting wealth.

Following in the footsteps of Confucius who said:

“Music produces a kind of pleasure which human nature cannot do without.”

“When music and courtesy are better understood and appreciated, there will be no war.”

We may not be able to end the outside wars, but we can use music to win our inner battles so we reduce stress… live happily and succeed regardless of external circumstance.

There you have it, three courses that can help you gain power, energy and a better life.

#A: International Investing and Business Plus Quantum Wealth seminar.    Oct. 7-10, 2010.

Enroll here. $749 Reserve here –  $999  Reserve for two

north-carolina-leaf-change

Join Gary & Merri Scott with their webmaster David Cross and Jean Marie Butterlin, Bob Shane and Ann Russell Roberts in North Carolina.#B: Super Thinking + Spanish Course. Attend Super Thinking + Spanish November 4-7, 2010 only.

Course for one $799. Enroll here

Course for two $999. Enroll here

music and health

Join Gary & Merri in Florida. Use music to make your life better.
Workshop for one $499. Enroll here

Workshop for two $749. Enroll here

music

Join Gary, Merri and Arijit Mahalanabis in Florida.

Autumn Savers

Attend “Naad Yoga and Realizing The Nature of Sound” only. Attend Both Super Thinking + Spanish and Naad Yoga Workshop.

Combination for one. $1,149  Enroll here Save $149.

Combination for two. $1,549 Enroll here Save $199.

Join Gary & Merri in North Carolina at our home above or Florida at our home below or…

north-carolina-leaf-change

both.

music

Our home in Florida.

Attend all three seminar, course and workshop – A, B & C – this fall Oct. 4 to 7 and Nov. 4-9 2010.

$1,649  Enroll here Save $398.

$2,239.   Enroll here for two Save $408.

We look forward to sharing these adventures in knowing with you.

Gary

Read the entire article  Improbable research: The repetitive physics of Om

Global Investing Portfolios Focus


Focus on global investments brings the best results.

See how this wise old owl can help us be better at focus in global investing and business.

Last week’s article Micro Business & Global Investing Success looked at the importance of concentration… of concentration in business…. investing and life.

The article argued that focused experience and information… focused beliefs,  focused values and focused determination are threads that weave happiness and success.

Then this article shared how modern media…. especially the internet… might be detracting from concentration and even retraining our thought process to a shallower level.

It asked, “What will be the global consequences be if today’s children globally are being trained to have shallower thought?”

A reader replied to this message and said:

“Wow, Gary, your latest posting about concentration really caught my attention and made me slow down long enough to read (not scan) your entire article. As a teacher, I often plan lessons on my computer.  I use the Internet to research information in order to supplement my lessons.  My problem has been that I often spend so much time scanning websites and jumping from link to link that I lose my focus and it can take hours to write a simple 30-minute lesson.

“I, too, have worried about becoming addicted to the Internet.  I was bragging to my friends that I don’t watch television, when I realized that my addiction to the world wide web could be just as brain numbing, or cause even more withdrawal symptoms than watching television.

“One way I have helped myself is by taking my laptop to a place where I don’t have Internet access.  First, I make a mind map of my ideas on paper, and then I start putting my ideas on MS Word, inserting bolded notes in areas that I want to research or confirm later.

“I have had the same intuitive feeling that something was changing in our brains from the effects of reading online ‘where portals lead us on from one text, image, or video to another while we’re being bombarded by messages, alerts, and feeds’.  As a reading teacher who works with children struggling to read, I have noticed a profound difference in those students who spend a lot of time surfing the Internet from those who don’t spend much time on the computer. The students who are addicted to surfing the Internet, text messaging, and video gaming, cannot seem to slow down enough to focus and read words on a printed page.  It is almost as if it is painful for them to read this way.  I have suggested to the school administration that these students seem to have a different way of reading that makes concentration difficult for them.  Now a book delves into this theory.

“I will read the book, and I continue to look forward to your intuitive and timely postings.”

Yet concentration needs to be woven with diversification because in this material world, there is always something we do not know… no matter how much we concentrate. The quantum aspects of our existence are so complex that our logic can only see them as  chaotic.

This is because of “sensitive dependence on initial conditions.”  Take the weather as an example.  The outcome of the weather… despite all our advances in understanding is unpredictable because it is so susceptible to the initial circumstances.   Investing and business… our lives are the same…. unpredictable.

Who knows exactly where an individual cloud will be in the sky ten years from now? Or where we will be or any particular economy or investment?

We had an example at our farm of the importance of matching concentration with diversification. We always have a lot of excitement at the farm when we are preparing for our courses on international business and investing as many of our speakers come and stay in our cabins.  We often have a lot of rushing to get everything in order.

Our helpers were rushing around when they a screech owl in the barn and wanted us to come down and see it.

We did.

I took my camera along and these shots perfectly depict in pictures what this message is trying to explain in words.

This is a bird’s eye view. Can you see the owl?

Perhaps and you see the whole picture, the rafters the steps, the walls.

But a bird’s eye view requires a complete picture, many dots we can connect.

See the owl better now?

Our fine feathered friend is easier to see. We know him better now.

Can we creep closer?

Yes. This was one brave owl and now we feel like we really know him.

However I decided to take my chances and walk up the steps. This and a zoom lens let us really see “Mr. Wise One”.

We see the color of his eyes and can literally count his feathers. This is what we try to do with our international investing and our micro business… get into all the details.

This often causes the downfall of a business… having too much concentration on the small stuff.

When we get too close… can we see the walls?  Remember those rafters and the steps?  Where are they now?

Global investing requires a complete view seeing both the broad horizons as well as the narrow perspective.

If we are too caught up seeing the trees, we miss the forest and having taken a glopbal view, we have expanded our forest… a lot!

So this week we will review several global investment and business thoughts blended with the idea of attaining the correct blend of concentration and diversification.

Today’s review is on Jyske Global Asset management’s Medium Risk Portfolio.

JGAM’s management team use a lot of concentrated research. They collect data from Jyske Bank, Morgan Stanley, Bank Credit Analysts and many other sources.  The members of their portfolio management then filter this concentrated data through their knowledge and experience.  Then they meet regularly to further concentrate all this data into a group consensus.

Hundreds of years of investing experience concentrated into a decision making process.

Yet that process creates a very diversified portfolio.

Here is JGAM’s  current  medium risk portfolio for investors with $200,000.

Currency            Investment                        Percent of Portfolio

 

Fixed Income:

 

USD            5.800%  E.ON 30.04.18                            4.53%

USD             8.000%    Mobile Tele 28.01.2012            5.06%

USD             6.000%    EIB 14.08.13                            5.31%

EUR              7.250%  Bombardier 2016                      2.20%

EUR              5.030%  Gaz Capital 25.02.2014            3.25%

BRL               12.500% Brazil rep. of 05.01.16             4.99%

AUD               5,125%   EIB 30.05.17                           4.88%

CAD                CAD – No.1 Interest Account                5.15%

 

Fixed income Subtotal                                          35.36%

 

Equities:

CHF                          Kuehne & Nagel Intl AG            3.19%

CHF                          Nestle SA                                     2.99%

CHF                          Novartis                                       3.07%

DKK                          Carlsberg B                                  5.49%

DKK                           Neurosearch A/S                        0.56%

DKK                           Novo Nordisk B                          4.47%

EUR                          Adidas AG                                    1.83%

EUR                           Bayer AG                                     1.75%

EUR                           Siemens AG                                 1.95%

HKD                           China Mobile                               5.49%

JPY                            Toshiba Corp 6502                      3.14%

SEK                            ABB Ltd                                       3.10%

USD                           Apple Computer Inc. Com          4.07%

USD                           Cisco Systems Inc                        1.97%

USD                           Gazprom-ADR (E/C)                  3.02%

USD                           Teva Pharmaceutical ADR          3.92%

USD                           iShares Msci Ac Far East XJP     2.21%

 

Equities Subtotal                                                     52.22%

Alternatives:

USD              ETFS Metal Secs Physical Gold                6.71%

Subtotal Alternatives:                                               6.71%

Cash:  USD                                                                   5.71%

Total:                                                                         100.00%

This is concentration and diversification in global investing action.

Join Merri and me in Copenhagen to learn better ways to concentrate and diversify your global investing.

See details on how to join Merri and me at Jyske’s bi annual Copenhagen seminar here Global Wealth Management Seminar.

emerging-markets

We also really enjoy the restaurants and coffee shops along Nyhavn.

We need concentration and diversification for good global investing and business because we live in chaos.

Gary

When we combine our logic… intuition and experience we dramatically enhance the chances for success. One way to integrate these three assets  of logic… intuition and experience is with music.

This quote is about Chaos Theory 

“A Brief Introduction confirms a relation between music and the quantum aspects of our existence.

“Music can be created using fractals as well. Using the Lorenz attractor, Diana S. Dabby, a graduate student in electrical engineering at the Massachusetts Institute of Technology, has created variations of musical themes. (“Bach to Chaos: Chaotic Variations on a Classical Theme”, Science News, Dec. 24, 1994) By associating the musical notes of a piece of music like Bach’s Prelude in C with the x coordinates of the Lorenz attractor, and running a computer program, she has created variations of the theme of the song. Most musicians who hear the new sounds believe that the variations are very musical and creative.

See how music can help you learn to speak Spanish in just four days.

How We Can Serve You

2015 Schedule

Schedule 2015  Seminars and Courses

Mount Dora

Delegates enjoy taking breaks at our winter courses in Mount Dora.

jefferson landing

We conduct our summer camps at Jefferson Landing in West Jefferson North Carolina.

Join us in balmy Central Florida in the winter and the Cool Blue Ridge in summer.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here are the courses we currently have scheduled in 2015.  Course in bold conducted by Gary & Merri Scott

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar.  (Normally $799 or $999 for a couple)

The Best Multi Currency International Investing Seminar in 32 Years

Cash in on the best opportunity in 32 years.  Currency diversification has always been important for safety, but right now a multi currency opportunity is brewing and has more profit potential then you have seen in over three decades.

Our “International Investing Seminars” started 32 years ago at about the best time for investors ever.  Over these decades our semi annual seminars have updated what’s going on in global investment markets and what to do.  In all those years, few times offered as much long term opportunity as in 1982.

Join us to learn the great opportunities that are just ahead.

Mount Dora Florida. Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

jefferson Landing

Our summer and autumn courses are at the Jefferson Landing Country Club.

Finally, conditions have come full circle and the several conditions are coming together just as we saw at our first seminars in the 1980s.  The US dollar. the US stock market and the price of oil are acting almost exactly as they did in the early 1980s.  Knowing the conditions and why they have merged  and what to do about them can help you create a fortune.

One way to tap this potential (we’ll review this at the seminar) is to invest in a Good Value Country Strategy with ETFs (Country Index Exchange Traded Funds).  For example there are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.  You can easily create a diversified portfolio in each or all of these ten countries with Country Index ETFs.

We review more than two dozen Country Index ETFs at the seminars.   One example is the iShares Germany MSCI Index ETF.

MSCI Germany

Click on image to enlarge.

Germany’s stock market is a good value market.  Germany has the world’s fourth largest economy.  The country is the third largest exporter in the world and in 2013 recorded the highest trade surplus in the world making it the biggest capital exporter globally.  Yet German shares have been overlooked. German share prices are cheap.

The problem most investors have is knowing which German shares to buy.  The country Index ETF solves this by investing in almost all the shares traded on Germany’s largest stock exchange in Frankfurt.  The iShares Germany MSCI Index ETF is a share traded on the New York Stock Exchange that invests in 85% of the shares in Germany.  This ETF is a passive fund that does not try to outperform the growth of the German Stock Market. The managers simply track the investment results of the MSCI Germany Index.

The MSCI Germany Index is designed to measure the performance of the large and mid cap segments of the German index is composed of the stocks of 54 different German companies and covers about 85% of all the German equities.  Germany’s ten largest companies compose about 60% of the index.  These ten companies are:  BAYER (Health Care) composes 9.91% of the index – SIEMENS (Industrials) 7.89% – DAIMLER (Consumer Discretionary) 7.04% – BASF (Materials)  6.81% – ALLIANZ (Financials) 6.65% – SAP STAMM (Info Tech) 5.69% – DEUTSCHE TELEKOM (Telecom Srvcs) 4.46% – DEUTSCHE BANK NAMEN  (Financials) 3.66%  – VOLKSWAGEN VORZUG (Consumer Discretionary) 3.18% – BMW STAM (Consumer Discretionary)  3.15%.

The iShares MSCI ETF invests in all the important sectors in the German market, so your one investment in the ETF gives you a spread of good value German shares.

MSCI Germany

The fund has over 4 billion of assets and those assets are invested mainly in the 54 German shares, so your investment gives you enormous diversification within the German stock market. What makes ETFs such easy and simple investments is that even a small investment of $1000 (at this time) will buy about 25 shares.  For just $1,000 the investment is spread into this vast powerful, good value equity market.

At our seminars we review Country Index ETFs for every good value stock market in the world. One benefit of these ETFs is that investors can invest very small amounts so it is possible to invest in all good value countries, even if your portfolio is not large.

You save on tax.  Managed funds exert a heftier tax bill on your portfolio than passive products.  You save on reduced portfolio turnover.  Every time a manager makes a trade, there’s a cost. ETFs invest in the shares that compose the index and do not trade.  During 2013 actively managed funds in the US turned over 85% of their holdings.  Remember that this activity resulted in poorer average results than the indices for 75% of these funds.

Join me at our 2015 seminars to explain how to use ETFs and much more.  The “International Investing Seminar” looks at how to protect purchasing power and pensions with multi currency investing.  The course teaches how to add safety and create to profit from multi currency and global equity cycles.

Value Investing Outside the Box.  Here is a partial syllabus of the seminar:

* See new breakout possibilities… in global investing.

* Benefits of early investments in an oil that’s up 22.8 times in the past ten years.

* Beyond Gold.  Three hard assets that protect against all currency erosion.

* The Small Country Effect. Why small markets rise more than large ones.

* Top Value small markets and how to easily invest small or large amounts.

* The best four currencies for the year ahead.

Few decisions are as important to your wealth as WHICH CURRENCIES to invest in. This has been our area of expertise since the 1970s.  Learn how to use ETFs to gain multi currency diversification.

Details in this session also include:

* How to easily buy global currencies, shares and bonds.

*  The benefits of investing in real estate in Small Town USA.  We will share why the value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver.  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars – how interest rates at zero eliminate opportunity costs of diversification in precious metals and foreign currencies.

* New tax strategies.  How to create businesses that earn income and reduce tax.

gary scott

Gary Scott at a multi currency session

The course begins with a 1000 Year Economic Review that leads us up to where markets are in 2015.

Learn how to:

* Find good investing value.

* Use Multi Currency Portfolios.

* To use multi currency for diversification-speculation & hedge.

* Earn in water and agricultural investing.

* Gain with special situations now for aggressive growth

Join Merri and me for this multi currency economic update seminar.

gary-scott

Gary Scott speaking to 400 delegates in Quito, Ecuador

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

Join my wife, Merri, and me at our International Investing Seminar. Enroll here $799. Couple $999

Gary

Chaos Theory: A Brief Introduction

Quantum Wealth & Independence


This is the official holiday for the 4th of July so here is a thought about independence and freedom.

Technology has robbed the world of a lot freedom… just as it has added great freedom in other ways.

HK-waterfront

Technology allowed me to live in Hong Kong in the 1970s.

Technology has brought us the freedom to see the world in an instant… to speak to the world in an instant… to message the world in an instant… to travel the world… to buy and sell with those who offer the best deal… plus ever so much more.

Yet the same technology has allowed governments everywhere to restrict privacy and in many instances lifestyle.

For example… US legislation has slowly created such a burden on overseas banks that to serve US citizens most overseas banks will no longer accept Americans as customers.

london-house

Technology allowed me to live in London and …

Manx-waterfront

work in the Isle of Man in the 19080s.

Our newsletters and later this website have warned about this problem for nearly 4o years as we have observed the gradual erosion of American access to global banking.

The first clues of our restricted freedom came clear back in the early 1980s when overseas mutual funds started dropping American investors. I saw the results of this myself. The 2nd book  I wrote about global investing “Three Confidential Reports About Making Money Abroad”  recommended several overseas mutual funds including Action Suisse (A Swiss fund that invested in Swiss shares) and Deutscher Investment-Trust (a German fund investing in German shares). These were great funds for that time as the Swiss franc, German mark and these stock markets were exploding.

I invested in these funds and was making triple digit returns when my Swiss banker at that time, Credit Suisse wrote and said…”Sorry we have to sell these funds for you because you are an American.  Thank you very much.”

Since that time Swiss bankers and banks globally have been fighting a rear guard action against more and more legislation that does not make it illegal for Americas to bank overseas…. just financially impractical.   The cost of complying with all the legislation is so high that overseas banks can’t charge enough.

The beginning of the end came in in 1996, when the USA concluded a new double taxation agreement with Switzerland, which, among other things, regulated the conditions for administrative assistance in matters of taxation. Switzerland agreed to provide assistance with regard to “tax fraud and the like”.

“And the like.”  Three infamous words.

This extension of the concept of “tax fraud”  was like a ticking time bomb. US  authorities simply had to wait for some bank and in this case it was UBS to act in a way so the US authorities could expand their control over non US banks.   Thus banking secrecy was well and truly dead not in 2009, but already in 1996.

UBS activity allowed the US government to pile so much additional paperwork on overseas banks that other banks in other countries began closing down American accounts as well.

A Daily Telegraph article “Lloyds Bank hit by Obama tax purge”  shows what happened to Americans (even those who had lived in England for decades) says:  Lloyds Banking Group is ditching American customers based in Britain pending a crackdown on international tax evasion planned by President Barack Obama.

This week American private client account-holders at Lloyds’s received letters informing them of an “important change in policy regarding clients who are resident, domiciled or linked to the United States by property or asset holdings”. They were told the bank had “no choice” but to “cease acting as your investment manager.  One letter sent to Bank of Scotland’s portfolio management division, which is now part of Lloyds, said: “The USA has a mature regulatory environment governed by its Securities and Exchange Commission. These regulations mean that we are not licensed to manage portfolios for US clients”.

The letter added: “Unfortunately we cannot offer an equivalent service from within Lloyds Banking Group.” Clients have been advised to transfer their assets.

One recipient, who has lived in the UK for over 25 years, said: “After all this time, I’ve suddenly been told I must take my money elsewhere and I don’t understand why. Now I’m scared that other banks won’t take me on either.”

There you have it.   Americans are totally free to bank abroad… yet many cannot because the cost of compliance is so high. This is true in many other fields.    There are some great natural health products available that aren’t offered because of the high cost of  FDA approval. The list could go on.

This is not a unique American phenomenon by the way. European food supplements are even more restricted than in the US.

What can we do to maintain  freedom?

Freedom is an attitude and lifestyle we choose… not something legislated so we can use technology to help us be free as citizens of the world which I recommended in my first book (written in the 1970s) “Passport to International Profit”.

Here is an excerpt from that book.

Don’t be a Shooting Duck

This is the first story in the second chapter of a book, Passport to Profit, I wrote in 1979. Does this now apply to you?

Having a Harbor

Doesn’t everyone dream of having some safe harbor for the ultimate escape? A completely dependable last line of defense, so that when everything else falls to pieces, one can drop back inside this cozy little shelter and enjoy a safe snug comfortable life. Certainly it is sensible to have one. In fact, to my way of thinking, anyone who doesn’t have quite a few safe harbors is not only playing a dangerous game he doesn’t have to play, he is missing one of the greatest contentment’s of life..confidence.

Duck in the Pond Theory

We would all have our own little partnership with our own little pond if we were ducks. The pond gives us water, food, shelter and peace. We, in turn, give it ducks. For what is a pond without ducks? We clean it, eat up unnecessary plants and in general keep everything in tiptop condition. However, every once in a while the hunters arrive. Very quickly the rules of the partnership change. You see, the pond as your partner has a limited range of powers. Whether it likes it or not, a new partnership is about to be imposed upon the pond. It will be forced to join in a hunter/pond partnership and part of the rules of that relationship is that the hunters can shoot at the ducks on the pond. This not only throws you, the duck, into an unrequested, unwanted hunter/hunted partnership but threatens to terminate quickly your duck/pond partnership.

It’s possible if you are not careful that you will become a diner/dinner partner on the wrong end of the fork. Logic dictates what to do in a situation like this. Since your pond partner is no longer dependable because the rules are about to be changed, you should take the initiative. Rule #1 of the Duck in the Pond Theory is in fact “Don’t be a sitting duck when the shooting starts”, so you’ve go to decide what to do.

All too often in real life, people get too upset with change to use logic. Their first reaction instead is dismay. They sit there wallowing in disappointment, shock and anger because their pond has let them down. Or even worse, they sit there looking at the gun barrels and choose to blind themselves to the reality of the situation, saying this is some sort of joke or the hunters are really looking for rabbits or the pond won’t let this happen.

Rule #2 in this theory is “be realistic”. If you don’t accept partnerships change daily or ignore the limitations of your partner; you are not capable of deciding when to run for your harbor. You’ll lie to yourself and probably to your partner. This gums up the whole works. You’ll mess up a fairly clean machine by adding unwanted, useless nuts and bolts which do nothing but clog everything up.

The human mind/body partnership has an almost unlimited capacity to ignore its eyeballs, to adjust reality to match its desires. This inbred flaw causes humans to ignore reality and expect the world to revolve around them. Being realistic is accepting that no person, thing or partnership is indispensable or permanent. Realism is recognizing change and accepting it when no one is able to stop it.
If, by being realistic, you recognize that as much as you love your pond and as much as the gun barrels look harmless, that the shooting is not far away, you must act. You must get off the pond. Where do you go?

Rule #3 of the theory is to be sure you have another pond to go to. I call it having a positive pond factor. The more places you have to go, the more positive your pond factor.

Technology allows Merri and me to live on a remote Blue Ridge farm…

global-citizen

in Florida…

global-citizen

and Ecuador now.

global-citizen

Until next message, where we learn how to find other ponds, may your pond be a good one.

Gary

One bank that still welcomes Americans is Jyske Bank. They spent years (and probably millions in legal fees I might add) figuring out all the ways to make it possible for them to serve Americans.  This is why I am pleased to be speaking at their 9th  Global Wealth seminar.

See details on how to join Merri and me at Jyske’s bi annual Copenhagen seminar here Global Wealth Management Seminar.

emerging-markets

Join us on the waterfront restaurants and coffee shops along Nyhavn as we learn about global investing in Copenhagen.

How We Can Serve You

2015 Schedule

Schedule 2015  Seminars and Courses

Mount Dora

Delegates enjoy taking breaks at our winter courses in Mount Dora.

jefferson landing

We conduct our summer camps at Jefferson Landing in West Jefferson North Carolina.

Join us in balmy Central Florida in the winter and the Cool Blue Ridge in summer.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here are the courses we currently have scheduled in 2015.  Course in bold conducted by Gary & Merri Scott

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar.  (Normally $799 or $999 for a couple)

The Best Multi Currency International Investing Seminar in 32 Years

Cash in on the best opportunity in 32 years.  Currency diversification has always been important for safety, but right now a multi currency opportunity is brewing and has more profit potential then you have seen in over three decades.

Our “International Investing Seminars” started 32 years ago at about the best time for investors ever.  Over these decades our semi annual seminars have updated what’s going on in global investment markets and what to do.  In all those years, few times offered as much long term opportunity as in 1982.

Join us to learn the great opportunities that are just ahead.

Mount Dora Florida. Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

jefferson Landing

Our summer and autumn courses are at the Jefferson Landing Country Club.

Finally, conditions have come full circle and the several conditions are coming together just as we saw at our first seminars in the 1980s.  The US dollar. the US stock market and the price of oil are acting almost exactly as they did in the early 1980s.  Knowing the conditions and why they have merged  and what to do about them can help you create a fortune.

One way to tap this potential (we’ll review this at the seminar) is to invest in a Good Value Country Strategy with ETFs (Country Index Exchange Traded Funds).  For example there are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.  You can easily create a diversified portfolio in each or all of these ten countries with Country Index ETFs.

We review more than two dozen Country Index ETFs at the seminars.   One example is the iShares Germany MSCI Index ETF.

MSCI Germany

Click on image to enlarge.

Germany’s stock market is a good value market.  Germany has the world’s fourth largest economy.  The country is the third largest exporter in the world and in 2013 recorded the highest trade surplus in the world making it the biggest capital exporter globally.  Yet German shares have been overlooked. German share prices are cheap.

The problem most investors have is knowing which German shares to buy.  The country Index ETF solves this by investing in almost all the shares traded on Germany’s largest stock exchange in Frankfurt.  The iShares Germany MSCI Index ETF is a share traded on the New York Stock Exchange that invests in 85% of the shares in Germany.  This ETF is a passive fund that does not try to outperform the growth of the German Stock Market. The managers simply track the investment results of the MSCI Germany Index.

The MSCI Germany Index is designed to measure the performance of the large and mid cap segments of the German index is composed of the stocks of 54 different German companies and covers about 85% of all the German equities.  Germany’s ten largest companies compose about 60% of the index.  These ten companies are:  BAYER (Health Care) composes 9.91% of the index – SIEMENS (Industrials) 7.89% – DAIMLER (Consumer Discretionary) 7.04% – BASF (Materials)  6.81% – ALLIANZ (Financials) 6.65% – SAP STAMM (Info Tech) 5.69% – DEUTSCHE TELEKOM (Telecom Srvcs) 4.46% – DEUTSCHE BANK NAMEN  (Financials) 3.66%  – VOLKSWAGEN VORZUG (Consumer Discretionary) 3.18% – BMW STAM (Consumer Discretionary)  3.15%.

The iShares MSCI ETF invests in all the important sectors in the German market, so your one investment in the ETF gives you a spread of good value German shares.

MSCI Germany

The fund has over 4 billion of assets and those assets are invested mainly in the 54 German shares, so your investment gives you enormous diversification within the German stock market. What makes ETFs such easy and simple investments is that even a small investment of $1000 (at this time) will buy about 25 shares.  For just $1,000 the investment is spread into this vast powerful, good value equity market.

At our seminars we review Country Index ETFs for every good value stock market in the world. One benefit of these ETFs is that investors can invest very small amounts so it is possible to invest in all good value countries, even if your portfolio is not large.

You save on tax.  Managed funds exert a heftier tax bill on your portfolio than passive products.  You save on reduced portfolio turnover.  Every time a manager makes a trade, there’s a cost. ETFs invest in the shares that compose the index and do not trade.  During 2013 actively managed funds in the US turned over 85% of their holdings.  Remember that this activity resulted in poorer average results than the indices for 75% of these funds.

Join me at our 2015 seminars to explain how to use ETFs and much more.  The “International Investing Seminar” looks at how to protect purchasing power and pensions with multi currency investing.  The course teaches how to add safety and create to profit from multi currency and global equity cycles.

Value Investing Outside the Box.  Here is a partial syllabus of the seminar:

* See new breakout possibilities… in global investing.

* Benefits of early investments in an oil that’s up 22.8 times in the past ten years.

* Beyond Gold.  Three hard assets that protect against all currency erosion.

* The Small Country Effect. Why small markets rise more than large ones.

* Top Value small markets and how to easily invest small or large amounts.

* The best four currencies for the year ahead.

Few decisions are as important to your wealth as WHICH CURRENCIES to invest in. This has been our area of expertise since the 1970s.  Learn how to use ETFs to gain multi currency diversification.

Details in this session also include:

* How to easily buy global currencies, shares and bonds.

*  The benefits of investing in real estate in Small Town USA.  We will share why the value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver.  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars – how interest rates at zero eliminate opportunity costs of diversification in precious metals and foreign currencies.

* New tax strategies.  How to create businesses that earn income and reduce tax.

gary scott

Gary Scott at a multi currency session

The course begins with a 1000 Year Economic Review that leads us up to where markets are in 2015.

Learn how to:

* Find good investing value.

* Use Multi Currency Portfolios.

* To use multi currency for diversification-speculation & hedge.

* Earn in water and agricultural investing.

* Gain with special situations now for aggressive growth

Join Merri and me for this multi currency economic update seminar.

gary-scott

Gary Scott speaking to 400 delegates in Quito, Ecuador

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

Join my wife, Merri, and me at our International Investing Seminar. Enroll here $799. Couple $999

Gary

Global Lifestyle Question


A reader recently sent me this global lifestyle question.

Gary,  I am interested in the Cotacachi Condo building.  If it is still available, the rental income looks attractive. Does it have a long rental history, and do you currently have a manager for the building? Sounds like you don’t like being a landlord, may I ask why?

I’m a fluent Spanish speaker (lived in Madrid 3 years) and thinking of investing in South America soon, living there eventually. Your newsletters have been a real inspiration and I’m now working with Jyske Bank.

cotacachi-condos

Here is the building with a central location and this…

Ecuador-retirement-shots

view.

See a Ecuador coastal duplex where you can enjoy an Ecuador beach lifestyle and an income here.

My reply to the reader’s question above may help you learn how to have a fulfilling global lifestyle.

I receive numerous questions about where I live and why and have written about this often.

You can see some of the reasons why we live were we do at
Ecuador DiversifiedTriple Protection and Ecuador Florida.

See how this type of global lifestyle adds tax benefits at Tax Angles & Quantum Wealth.

Merri and I have a deep philosophy about freedom that also impacts what we do. See more on this at
International Investments & Freedom.

Plus we also let our intuition and coincidence help us move in directions we might otherwise miss. See why at Intelligent Protection.

Finally see how we finance and enjoy our global lifestyle at

Regards,

Gary

How We Can Serve You

2015 Schedule

Schedule 2015  Seminars and Courses

Mount Dora

Delegates enjoy taking breaks at our winter courses in Mount Dora.

jefferson landing

We conduct our summer camps at Jefferson Landing in West Jefferson North Carolina.

Join us in balmy Central Florida in the winter and the Cool Blue Ridge in summer.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here are the courses we currently have scheduled in 2015.  Course in bold conducted by Gary & Merri Scott

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar.  (Normally $799 or $999 for a couple)

The Best Multi Currency International Investing Seminar in 32 Years

Cash in on the best opportunity in 32 years.  Currency diversification has always been important for safety, but right now a multi currency opportunity is brewing and has more profit potential then you have seen in over three decades.

Our “International Investing Seminars” started 32 years ago at about the best time for investors ever.  Over these decades our semi annual seminars have updated what’s going on in global investment markets and what to do.  In all those years, few times offered as much long term opportunity as in 1982.

Join us to learn the great opportunities that are just ahead.

Mount Dora Florida. Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

jefferson Landing

Our summer and autumn courses are at the Jefferson Landing Country Club.

Finally, conditions have come full circle and the several conditions are coming together just as we saw at our first seminars in the 1980s.  The US dollar. the US stock market and the price of oil are acting almost exactly as they did in the early 1980s.  Knowing the conditions and why they have merged  and what to do about them can help you create a fortune.

One way to tap this potential (we’ll review this at the seminar) is to invest in a Good Value Country Strategy with ETFs (Country Index Exchange Traded Funds).  For example there are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.  You can easily create a diversified portfolio in each or all of these ten countries with Country Index ETFs.

We review more than two dozen Country Index ETFs at the seminars.   One example is the iShares Germany MSCI Index ETF.

MSCI Germany

Click on image to enlarge.

Germany’s stock market is a good value market.  Germany has the world’s fourth largest economy.  The country is the third largest exporter in the world and in 2013 recorded the highest trade surplus in the world making it the biggest capital exporter globally.  Yet German shares have been overlooked. German share prices are cheap.

The problem most investors have is knowing which German shares to buy.  The country Index ETF solves this by investing in almost all the shares traded on Germany’s largest stock exchange in Frankfurt.  The iShares Germany MSCI Index ETF is a share traded on the New York Stock Exchange that invests in 85% of the shares in Germany.  This ETF is a passive fund that does not try to outperform the growth of the German Stock Market. The managers simply track the investment results of the MSCI Germany Index.

The MSCI Germany Index is designed to measure the performance of the large and mid cap segments of the German index is composed of the stocks of 54 different German companies and covers about 85% of all the German equities.  Germany’s ten largest companies compose about 60% of the index.  These ten companies are:  BAYER (Health Care) composes 9.91% of the index – SIEMENS (Industrials) 7.89% – DAIMLER (Consumer Discretionary) 7.04% – BASF (Materials)  6.81% – ALLIANZ (Financials) 6.65% – SAP STAMM (Info Tech) 5.69% – DEUTSCHE TELEKOM (Telecom Srvcs) 4.46% – DEUTSCHE BANK NAMEN  (Financials) 3.66%  – VOLKSWAGEN VORZUG (Consumer Discretionary) 3.18% – BMW STAM (Consumer Discretionary)  3.15%.

The iShares MSCI ETF invests in all the important sectors in the German market, so your one investment in the ETF gives you a spread of good value German shares.

MSCI Germany

The fund has over 4 billion of assets and those assets are invested mainly in the 54 German shares, so your investment gives you enormous diversification within the German stock market. What makes ETFs such easy and simple investments is that even a small investment of $1000 (at this time) will buy about 25 shares.  For just $1,000 the investment is spread into this vast powerful, good value equity market.

At our seminars we review Country Index ETFs for every good value stock market in the world. One benefit of these ETFs is that investors can invest very small amounts so it is possible to invest in all good value countries, even if your portfolio is not large.

You save on tax.  Managed funds exert a heftier tax bill on your portfolio than passive products.  You save on reduced portfolio turnover.  Every time a manager makes a trade, there’s a cost. ETFs invest in the shares that compose the index and do not trade.  During 2013 actively managed funds in the US turned over 85% of their holdings.  Remember that this activity resulted in poorer average results than the indices for 75% of these funds.

Join me at our 2015 seminars to explain how to use ETFs and much more.  The “International Investing Seminar” looks at how to protect purchasing power and pensions with multi currency investing.  The course teaches how to add safety and create to profit from multi currency and global equity cycles.

Value Investing Outside the Box.  Here is a partial syllabus of the seminar:

* See new breakout possibilities… in global investing.

* Benefits of early investments in an oil that’s up 22.8 times in the past ten years.

* Beyond Gold.  Three hard assets that protect against all currency erosion.

* The Small Country Effect. Why small markets rise more than large ones.

* Top Value small markets and how to easily invest small or large amounts.

* The best four currencies for the year ahead.

Few decisions are as important to your wealth as WHICH CURRENCIES to invest in. This has been our area of expertise since the 1970s.  Learn how to use ETFs to gain multi currency diversification.

Details in this session also include:

* How to easily buy global currencies, shares and bonds.

*  The benefits of investing in real estate in Small Town USA.  We will share why the value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver.  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars – how interest rates at zero eliminate opportunity costs of diversification in precious metals and foreign currencies.

* New tax strategies.  How to create businesses that earn income and reduce tax.

gary scott

Gary Scott at a multi currency session

The course begins with a 1000 Year Economic Review that leads us up to where markets are in 2015.

Learn how to:

* Find good investing value.

* Use Multi Currency Portfolios.

* To use multi currency for diversification-speculation & hedge.

* Earn in water and agricultural investing.

* Gain with special situations now for aggressive growth

Join Merri and me for this multi currency economic update seminar.

gary-scott

Gary Scott speaking to 400 delegates in Quito, Ecuador

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

Join my wife, Merri, and me at our International Investing Seminar. Enroll here $799. Couple $999

Gary

Speculative Swiss


Here is a more speculative approach to the MultiCurrency Sandwich.

In these days of rapid change… government spending and inflation we need to continually look for ways to increase our income just to maintain our purchasing power.    Yet investments such as savings accounts, CDS and government bonds are paying very low returns.

Plus April is the month that begins the season with the lowest traditional stock market returns.

However there are quite safe ways to boost your yields such as the Swiss MultiCurrency Sandwich.  Here is an excerpt from my updated report Borrow Low Deposit High:

Borrow Swiss francs and invest the loan in a portfolio of diversified emerging bonds similar to Jyske Bank’s model bond portfolio.

2010 is the eighth year of Jyske’s model portfolio for emerging-market bonds. This portfolio was designed for long-term investors who want to diversify but be more selective than mutual funds.

Performance since inception is below.

2003 -2.1%
2004  14.7%
2005 27.5%
2006 2.9%
2007 15.1%
2008 -17.6%
2009 24.6%

This is an average return of 9.9% per annum.

The portfolio diversifies into five currencies Mexican peso (MXN), Russian Ruble (RUB),  Hungarian florin (HUF), Brazilian real (BRL) and Turkish try (TRY).

Here is the portfolio

Bond                                               Currency  Yield     Rating
10.00%   Mexican BONO  05.12.2024 MXN  7.87%    Baa1/A
6.25%   EIB                     11.03.2013 RUB    6.06%   Aaa/AAA
6.75%   HGB                   24.02.2017 HUF    7.22%   Baa1/BBB-
8.75%   IBRD                  15.06.2012 BRL     8.16%   Aaa/AAA
8.50%   KFW                  15.01.2013 TRY     9.14%   Aaa/AAA

The average yield 7.69%. The additional profit in the years above comes from the forex gain.

If one borrowed Swiss francs at this time the interest rate (at Jyske) is:

For loan amount $13,000 – $67,000) 2.275%
$67,000 – $134,000 2.125%:
$134,000 – $671,000) 1.875%
$671,000 and above 1.625%

If one invested $100,000 in this portfolio and borrowed $100,000 to invest in the portfolio, the income earned would be.

$200,000 X 7.69%   =                    $15,380

Loan cost $100,000 X 2.125% =      2,125

Income                                              $13,255 or 13.2% on the $100,000 invested.

If one borrowed  $200,000

If one invested $100,000 in this portfolio and borrowed $200,000 to invest in the portfolio, the income earned would be.

$300,000 X 7.69%   =                    $23,070

Loan cost $100,000 X 1.872% =      3,750

Income                                              $19,320 or 19.3% on the $100,000 invested.

19.32% return on a diversified portfolio of investment grade bonds is quite attractive at this time… especially considering that we are entering the season when the stock market is most likely to fall.

Remember never borrow more than you can afford to lose. The update of the report Borrow Low-Deposit High shows the risks… rewards and costs of this and many other MultiCurrency sandwiches.

This is currently offered at the pre-release price of $49, while it is being edited.  In the next week (or two), upon completion of the update edit the price will rise to $79.

Gary

Mother’s Day roses in Ecuador.

ecuador-mother's-day-Roses


How We Can Serve You

2015 Schedule

Schedule 2015  Seminars and Courses

Mount Dora

Delegates enjoy taking breaks at our winter courses in Mount Dora.

jefferson landing

We conduct our summer camps at Jefferson Landing in West Jefferson North Carolina.

Join us in balmy Central Florida in the winter and the Cool Blue Ridge in summer.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here are the courses we currently have scheduled in 2015.  Course in bold conducted by Gary & Merri Scott

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar.  (Normally $799 or $999 for a couple)

The Best Multi Currency International Investing Seminar in 32 Years

Cash in on the best opportunity in 32 years.  Currency diversification has always been important for safety, but right now a multi currency opportunity is brewing and has more profit potential then you have seen in over three decades.

Our “International Investing Seminars” started 32 years ago at about the best time for investors ever.  Over these decades our semi annual seminars have updated what’s going on in global investment markets and what to do.  In all those years, few times offered as much long term opportunity as in 1982.

Join us to learn the great opportunities that are just ahead.

Mount Dora Florida. Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

jefferson Landing

Our summer and autumn courses are at the Jefferson Landing Country Club.

Finally, conditions have come full circle and the several conditions are coming together just as we saw at our first seminars in the 1980s.  The US dollar. the US stock market and the price of oil are acting almost exactly as they did in the early 1980s.  Knowing the conditions and why they have merged  and what to do about them can help you create a fortune.

One way to tap this potential (we’ll review this at the seminar) is to invest in a Good Value Country Strategy with ETFs (Country Index Exchange Traded Funds).  For example there are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.  You can easily create a diversified portfolio in each or all of these ten countries with Country Index ETFs.

We review more than two dozen Country Index ETFs at the seminars.   One example is the iShares Germany MSCI Index ETF.

MSCI Germany

Click on image to enlarge.

Germany’s stock market is a good value market.  Germany has the world’s fourth largest economy.  The country is the third largest exporter in the world and in 2013 recorded the highest trade surplus in the world making it the biggest capital exporter globally.  Yet German shares have been overlooked. German share prices are cheap.

The problem most investors have is knowing which German shares to buy.  The country Index ETF solves this by investing in almost all the shares traded on Germany’s largest stock exchange in Frankfurt.  The iShares Germany MSCI Index ETF is a share traded on the New York Stock Exchange that invests in 85% of the shares in Germany.  This ETF is a passive fund that does not try to outperform the growth of the German Stock Market. The managers simply track the investment results of the MSCI Germany Index.

The MSCI Germany Index is designed to measure the performance of the large and mid cap segments of the German index is composed of the stocks of 54 different German companies and covers about 85% of all the German equities.  Germany’s ten largest companies compose about 60% of the index.  These ten companies are:  BAYER (Health Care) composes 9.91% of the index – SIEMENS (Industrials) 7.89% – DAIMLER (Consumer Discretionary) 7.04% – BASF (Materials)  6.81% – ALLIANZ (Financials) 6.65% – SAP STAMM (Info Tech) 5.69% – DEUTSCHE TELEKOM (Telecom Srvcs) 4.46% – DEUTSCHE BANK NAMEN  (Financials) 3.66%  – VOLKSWAGEN VORZUG (Consumer Discretionary) 3.18% – BMW STAM (Consumer Discretionary)  3.15%.

The iShares MSCI ETF invests in all the important sectors in the German market, so your one investment in the ETF gives you a spread of good value German shares.

MSCI Germany

The fund has over 4 billion of assets and those assets are invested mainly in the 54 German shares, so your investment gives you enormous diversification within the German stock market. What makes ETFs such easy and simple investments is that even a small investment of $1000 (at this time) will buy about 25 shares.  For just $1,000 the investment is spread into this vast powerful, good value equity market.

At our seminars we review Country Index ETFs for every good value stock market in the world. One benefit of these ETFs is that investors can invest very small amounts so it is possible to invest in all good value countries, even if your portfolio is not large.

You save on tax.  Managed funds exert a heftier tax bill on your portfolio than passive products.  You save on reduced portfolio turnover.  Every time a manager makes a trade, there’s a cost. ETFs invest in the shares that compose the index and do not trade.  During 2013 actively managed funds in the US turned over 85% of their holdings.  Remember that this activity resulted in poorer average results than the indices for 75% of these funds.

Join me at our 2015 seminars to explain how to use ETFs and much more.  The “International Investing Seminar” looks at how to protect purchasing power and pensions with multi currency investing.  The course teaches how to add safety and create to profit from multi currency and global equity cycles.

Value Investing Outside the Box.  Here is a partial syllabus of the seminar:

* See new breakout possibilities… in global investing.

* Benefits of early investments in an oil that’s up 22.8 times in the past ten years.

* Beyond Gold.  Three hard assets that protect against all currency erosion.

* The Small Country Effect. Why small markets rise more than large ones.

* Top Value small markets and how to easily invest small or large amounts.

* The best four currencies for the year ahead.

Few decisions are as important to your wealth as WHICH CURRENCIES to invest in. This has been our area of expertise since the 1970s.  Learn how to use ETFs to gain multi currency diversification.

Details in this session also include:

* How to easily buy global currencies, shares and bonds.

*  The benefits of investing in real estate in Small Town USA.  We will share why the value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver.  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars – how interest rates at zero eliminate opportunity costs of diversification in precious metals and foreign currencies.

* New tax strategies.  How to create businesses that earn income and reduce tax.

gary scott

Gary Scott at a multi currency session

The course begins with a 1000 Year Economic Review that leads us up to where markets are in 2015.

Learn how to:

* Find good investing value.

* Use Multi Currency Portfolios.

* To use multi currency for diversification-speculation & hedge.

* Earn in water and agricultural investing.

* Gain with special situations now for aggressive growth

Join Merri and me for this multi currency economic update seminar.

gary-scott

Gary Scott speaking to 400 delegates in Quito, Ecuador

Sept 4-5-6, 2015, West Jefferson, North Carolina.  Multi Currency, Protect Against a Weak Dollar Investing Seminar. (Normally $799 or $999 for a couple)

Join my wife, Merri, and me at our International Investing Seminar. Enroll here $799. Couple $999

Gary

See this listing at our Ecuador Multiple Listing

vilcabamba estate

A Yen for Innovation


Recent messages have looked at the idea of borrowing Japanese yen to invest in Euro and or Chinese yuan or other currencies that pay a higher return than the yen loan.

There is a link below about important Ecuador tax information and the IRS, but first… see a Borrow Low breakthrough.

japanese-yen

I hung this Japanese art in our bedroom to continually remind me that there is always a currency wave breaking somewhere. See why there may be a currency tsunami in China and Japan now.

The recent messages about borrowing Japanese yen to invest in Euro and or Chinese yuan focus on the importance of long term planning when you make investments of this type, but sometimes we  get a break… or are lucky…. as now may be the case.  An except from yesterday’s New York Times article “China Seems Set to Loosen Hold on Its Currency” by Keith Bradsher explains why:   HONG KONG — The Chinese government is preparing to announce in the coming days that it will allow its currency to strengthen slightly and vary more from day to day, people with knowledge of the emerging consensus in Beijing said on Thursday. The move would help ease tension with the Obama administration about the United States’ huge trade deficit with China.

The move is being made for domestic policy reasons in China, primarily as an inflation-fighting tool, people with knowledge of the emerging consensus in Beijing said on Thursday. While any announcement could still be delayed, China’s central bank appears to have prevailed with its arguments within the Chinese leadership for a stronger but more flexible currency, these people said.

A stronger renminbi could prove to be a mixed blessing for the United States. If China cuts back sharply on purchases of Treasuries, then the Obama administration could find it harder to finance American budget deficits.

But with the Chinese economy booming, a small move in the renminbi may still leave the central bank struggling with trade surpluses and a tide of speculative investment into China. That could force it to continue buying Treasuries with the extra dollars.

In 2005, China allowed the renminbi to jump 2 percent overnight against the dollar and then trade in a wider daily range, with a trend toward further strengthening against the dollar. For its coming policy shift, China may follow a similar pattern, but officials may emphasize much more in public remarks that the value of the renminbi can fall as well as rise on any given day. That would help discourage a flood of speculative money into China from investors betting on rapid further appreciation in the currency, said people with knowledge of the emerging consensus in Beijing.“Whether to let the yuan slowly appreciate or let it rise to a tolerable range after careful calculation, I think it is better to have that quick, prompt appreciation,” he said, according to news service reports.  Mr. Xia later added that, “At a certain point, when necessary, it is better to have a quick, prompt appreciation in a bid to fend off speculative capital.”

A quick prompt appreciation versus the US dollar is likely to lead to two currency events.

First the yuan (renminbi) will also rise versus the Japanese yen.

Second the yuan appreciation will create a positive spin for the US dollar because it  suggest this will help American exports… so the US dollar may rtise versus the yen.

In both cases… if they come to fruition… anyone with borrowed yen invested in yuan or US dollars will enjoy a quick forex profit.

However do not forget… the borrow low deposit high strategy can dramatically increase profits… but leverage also increases risk.  This is why the warning… never speculate more than you can afford to lose… is so important.

Yen loans of the past have created considerable added opportunity when the yen was in a position of strength as it is now.

However we must also maintain respect for the industriousness of the Japanese.  Like Americans… they are innovative people. Innovation can create increased productivity which can help strengthen a currency and create pleasant surprises in Japan.

Pleasant surprises in the Japanese economy can be bad news for yen borrowers!

This excerpt from a recent Economist article “Patents are a virtue which countries file for most international patents?” shows wy the eyn loan should be entered with caution.

THE number of applications for international patents fell by 4.5% in 2009 compared with the year before to 159,000 as companies in Western countries cut back on R&D spending during the recession. Yet applications from east Asian economies, including Japan and South Korea, increased slightly, while those from China soared by 30%. Since 2005 applications from China have grown by 210% as the country has developed a home-grown high-tech sector. But, reflecting America’s economic power and corporate dynamism, the United States is still the country from which the most filings orginate, and it has a huge lead. However, the number of American applications has fallen substantially from a peak of 54,000 in 2007.

economist-economic-chart

This chart form the article shows ow innovative the Japanese are.

Another article at Japaneconomynews.com “Economist Intelligence Unit: Japan the Most Innovative Country in the World”
by Ken Worsley says:  In a study released this week, the Economist Intelligence Unit ranked 82 economies based on their levels of innovation from 2002 to 2006 and predicted how the rankings might change from this year to 2011. Japan came out on top of the rankings, followed by Switzerland and the United States.  Japan was credited as having an ‘innovate-or-die’ approach that helped it reach the top of the list, despite ranking low in the index measuring environmental factors conducive to innovation.

The message for governments is that there is no substitute for good education, nor for policies that encourage investment in IT and communications infrastructure. For companies, the process of renewal should, if anything, be accelerated. The proportion of total sales from new products and services needs to increase. The top three nations are not expected to change their positions before 2011.

Despite Japan’s innovation, a yen loan to invest in other currencies still makes sense. The yen currently looks like a perfect currency to borrow… overvalued and with a low interest rate.

Plus there are two other short terms pushes (beyond0 the appreciating Chinese yuan  that may help borrowers make a quick profit right now.

First the euro has been undervalued because of panic over Greek debt, but the market is now becoming confident that the euro will not become unglued.

Second there has been plenty of bad Japanese news at Toyota. This could help create yen nerves in the minds of investors.

Investors previously worried about Europe may switch their concerns to Japan.  The result… a stampede out of the yen into the euro and… a sudden extra profit for those who have borrowed yen and invested in euro.

This has already happened!

However these little short term benefits are not the reason to make this multi currency sandwich.

The multi currency sandwich is a long term investment based on positive carry. the purpose of the sandwich is extra income.  Forex profit s an extra bonus one hopes for. Forex loss is the main risk.  The low lending rate on the yen and god returns elsewhere are the main reason for this en euro sandwich now.

The yen loan position looks so strong to me now that I am updating my report “Borrow Low – Deposit High”.  Our emailed Borrow Low-Deposit High report can help you learn how to expand your profits with up to 400% loans just as our reports have helped thousands of readers do over the past twenty years.

You can learn why this profit is available in my new updated “Borrow Low-Deposit High–How to Use the Multi Currency Investment Sandwich” emailed report. This email report explains everything you need to know about how to create and invest in the Multi Currency Investment Sandwich.  (See details below.)

Tens of thousands of readers have purchased this report, and several updates, since it was first published in the 1980s. You however can have the most up to date edition at a $30 savings.

I am updating Borrow Low-Deposit High now. When the new update is complete it will be offered at $79.

This report will include ideas on were to invest in China and Russia (both neighbors of Japan)  now.

You do not have to wait and miss this yen opportunity, buy our report “Borrow Low-Deposit High” for $49.  I will email it to you immediately… plus when the new update is complete, I’ll email that to you also… FREE.

The report helps you see why and where to invest and learn why and how currencies and interest rates rise and or fall.

Finally, as always you are protected by our 30 day completely satisfied or your money back guarantee.

Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich… click here to get this emailed report for only $49.

This is also why we maintain close contact with Jyske Bank, Denmark’s second largest bank. Denmark is rated by Standard & Poor’s as the safest country in the world to bank in. Jyske Bank is the only bank we know that specializes in the Borrow Low Deposit High strategy. Jyske Bank is also one of the leading currency traders in the world. Unlike most banks (that trade only eight hours a day) Jyske maintains a 24 hour trading service. They have been our bank for over twenty years and help us stay informed about global equity markets, plus global currency parity and interest rate trends so we can learn from portfolios that are real time. What you learn from is actually happening as our service unfolds.

More importantly Jyske Bank  has created an entire subsidiary that provides a stable and safe institution for US investors  who wish to invest globally including a Borrow Low-Deposit High strategy.

Gary

Save $100 more. There is another important benefit you gain when you order my emailed report “Borrow Low-Deposit High”.  You can save $100 at the next Jyske seminar where I review the new H.I.R.E. overseas banking regulations.

Share strategies with me in California and Save.

I speak at the Jyske Global Asset Management’s April 30 – May 2 Foreign Exchange Investment Seminar in Laguna Beach, California.

The normal seminar fee is$499 or $750 for two.

However Jyske is providing the same discount to our premium subscribers (including those who order Borrow Low – Deposit High) as to their clients… $399 single and $599 for a couple.  You save $100…even though the emailed report “Borrow Low Deposit High” is only $49.

Order “Borrow Low-Deposit High – How to Use the Multi Currency Investment Sandwich”… click here to get this emailed report for only $49. Save $100 on JGAM’s California seminar.

See more on the JGAM California seminar here.

If you have questions about Jyske’s seminars contact Thomas Fischer of JGAM at fischer@jgam.com

Learn more about the IRS and Mother’s Day roses in Ecuador.

ecuador-mother's-day-Roses

Join us in North Carolina this June to learn more about how to bank abroad. June 24-27 International Investing and Business North Carolina

Gary

See how to own the view above with these sunsets.

ecuador-ocean-view

See how one person can earn $540,000 or more on an Ecuador beach view investment now.

Our Ecuador exports tour is filled but you can still learn about Ecuador real estate.

Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Mid Coast Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito & Mindo Real Estate Tour ($499 or couple $749)

April 26-27 Cuenca Real Estate Tour

May 9-12       Super Thinking + Spanish Course, Cotacachi Ecuador

May  13-14    Ecuador Shamanic Minga

May  16-17    Imbabura Real Estate Tour

May  19-20    Coastal Real Estate Tour

May  22-23    Quito Real Estate Tour

May  25-26    Cuenca Real Estate Tour

You enjoy discounts by attending multiple seminars and tours.

Here are our multi tour adventure discounts.

Two Pack… 2 seminar courses & tours $998 Couple  $1,349 Save $149 on couple

Three Pack… 3 seminar courses & tours   $1399 Couple  $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours   $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours  $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours  $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Here is the balance of our 2010 schedule.

June 24-27 International Investing and Business North Carolina

June 28-29    Ecuador Travel & Andes

June 30-Jul 1 Imbabura Real Estate Tour

2010 Summer Schedule

July 3-4      Coastal Real Estate Tour
July 6-7      Quito Real Estate Tour
July 9-10     Cuenca Real Estate Tour

Sept.   3-6   Ecuador Export Tour
Sept.   8-9   Imbabura Real Estate Tour
Sept. 11-12   Coastal Real Estate Tour
Sept. 14-15   Cuenca Real Estate Tour
Sept. 17-18   Ecuador Shamanic Mingo

Oct.    7     Quantum Wealth North Carolina
Oct.   8-10   International Investing & Business North Carolina
Oct.   11-12  Travel to Quito and Andean Tour
Oct.  13-14   Imbabura Real Estate Tour
Oct.  16-17   Coastal Real Estate Tour
Oct.  19-20   Quito Real Estate Tour
Oct. 22-23    Cuenca Real Estate Tour

Nov.    4-7   Super Thinking + Spanish Course Florida
Nov.    8-9   Travel to Quito and Andean Tour
Nov. 10-11    Imbabura Real Estate Tour
Nov. 13-14    Coastal Real Estate Tour
Nov. 16-17    Quito Real Estate
Nov. 19-20    Cuenca Real Estate Tour

Dec.   3-5    Ecuador Shamanic Mingo
Dec.   7-8    Imbabura Real Estate Tour
Dec.  10-11   Coastal Real Estate Tour
Dec. 13-14    Quito Real Estate Tour
Dec. 16-17    Cuenca Real Estate Tour

Read “Patents are a virtue

and

Economist Intelligence Unit: Japan the Most Innovative Country in the World

and

China Seems Set to Loosen Hold on Its Currency

Borrow Low Despoit High in Japan


This may once again be the time to borrow low in Japan to invest high elsewhere.

See how this five year chart from www.finance.yahoo.com may mean money in the bank… a fortune actually.

Multi Currency Chart

Excerpts from a recent BBC article entitled “Japan’s economic growth rate revised down” helps explain why a new fortune may be in the making with the Japanese yen…

Here is the excerpt:  Japan’s economy grew by less than first estimated in the final quarter of 2009, revised figures have shown.  The Cabinet Office said the economy expanded by 0.9% between October and December of last year, down from its initial estimate of 1.1%.\

On an annualised basis, economic growth was 3.8% in the quarter, down from the initial estimate of 4.6%.

The downward revision in economic growth is likely to increase pressure on the Bank of Japan to ease monetary policy.

However, with interest rates already down to 0.1%, it does not have much room to move. This is bad for an economy as it tends to make consumers and businesses delay major purchases in the expectation that prices will fall further in the future.

A slowing Japanese economy is just one reason why it may now make sense to borrow Japanese yen to invest elsewhere.  Borrowing low and depositing high is called the Multi Currency Sandwich and this investing technique has been a phenomenal way to invest for over 20 years.

Since the end of the US dollar’s link to gold the fluctuations between currencies have created some of the world’s greatest (such as George Soros’) fortunes.

multi-currency-seminar

See below why at our International Investing and Business Seminars we have delegates come to our house for afternoon tea or lunch.  Here I am arriving at our house with Don Childs (our US Spanish instructor) and delegates during our last Mt. Dora seminar.

This personal touch in part is because one great, very exciting Multi Currency Sandwich that lasted nearly two decades has been to borrow Japanese yen at a very low interest rate and reinvest the loan in higher yielding currencies.

Back at the end of 1988, the yen hit dizzy heights in the 120 Yen per U.S Dollar range. Yen interest rates dropped into the low 4% range. This created a classic sandwich opportunity. The yen was a strong currency at an all time high with a low interest rate. This is the formula that Multi Currency investment sandwich investors always looks for.

Now, twenty years later the yen is again a strong currency and the interest rate has fallen as low as 1.375%!

I have been writing and publishing information about international investing for nearly forty years (since May 1968 to be exact). Fortunately I stumbled across and wrote about the Borrow Low-Deposit High Strategy at an early stage so the original readers of my report “Borrow Low Deposit High–How to Use the Multi Currency Investment Sandwich” have been able to borrow yen at low rates and redeposit the loans in other currencies at much higher rates (without forex loss) for over 20 years!

This is not a fast trading technique and in fact most positions are aimed with a five year horizon…pretty sleepy compared to people who trade currencies (an entirely different approach). Yet for most of us, slow and sleepy mean SAFE! However the Borrow Low Deposit High tactic can be really profitable.

How sleepy and safe?

Imagine this. Over the past 20 years, the cost of a Japanese yen loan has averaged about 2%. The US dollar interest rate has averaged 4% over this same period.  If one invested $100,000 in safe US dollar bonds or CDS held in huge, safe banks for this period and used this loan as collateral to borrow $400,000 worth of yen to reinvest in safe US dollar CDs or bonds, they have earned an average $12,000 a year and turned a safe 4% investment into a safe 12% investment. They added an extra $144,000 of income (on a $100,000 investment) over the 20 years!

Investing for 20 years in US dollar bonds or CDs is about as sleepy and safe as one can get.

Yet many smart Multi Currency Investment Sandwich investors have done much, much better.

How much better?

Take for example one year’s review of three Borrow Low Deposit High model portfolios we created and tracked.

In 2007 these portfolios rose:

Dollar Short +48.19%
Emerging Market +122.62%
Green 266.30%

Is this enough better?

Let me hasten to add that this type of performance is not guaranteed.   Do not ignore the fact that as sleepy and safe as Borrow Low-Deposit High can be that there can also be risks.  Had we invested in these same portfolios above in 2008, they would have lost a lot of money. Here is how they performed in a bad year.

Dollar Short Portfolio -35.21%
Green Portfolio -56.08%
Emerging Market -73.79%

The price for extra performance in leverage is added volatility and risk.

Yet we saw in yesterday’s message that one portfolio in 2009 used Borrow Low tactics to invest mainly in bonds and earned 66% profit in just nine months!

Tracking these portfolios for many years has taught us some valuable lessons.

For example catch areas of likely growth where a borrowed currency is hedged to the invested currency.

For example we watched Eastern European markets enjoy great growth at a time when the Swiss franc was loosely linked to the Eastern European currencies.

In that year, the Jyske Invest Eastern European Equity Fund rose from $51,000 to $76,138, a return of nearly 50%.

Had you leveraged this loan two times with a 2.75% Swiss franc loan, the return on a $50,000 investment would have been over $225,000 in one year.

The Czech koruna was also loosely linked to the other Eastern European currencies.

The Jyske Fund above performed really well over five years, up from 110 euro to 500 euro since 2001. That was an increase of 3.54 times. If you had invested $100,000 and borrowed $200,000 more in Czech koruna at 3.75% and invested in this fund for the past five years the initial $100,000 would now be worth over a million dollars! Your loan costs would be $37,500. Your profit on $100,000 after interest would be $1,024,500 on $100,000 of cash invested.

Plus because of the loose link, your currency risk would have been reduced. How much better can we ask than that?

Now two golden Borrow Low Deposit High opportunities may be on the horizon.  Japanese yen loans invested in China and Swiss franc loans invested in Russia.

Multi Currency Chart

Japanese yen loans have been one of my favorite money making vehicles for over 20 years. I first borrowed yen at 111 around 1988.  Then  the yen strengthened (bad news for a borrower) to 79!    My paper losses looked formidable, yet I held on and watched the yen tumble all the way to 146 yen per dollar (shown in chart above) by 2002.  I exited and my forex profits were huge… plus I had been earning the positive carry (difference between the loan cost and investment return) for all the years I held the loan.

Please let me repeat. The formula that Multi Currency investment sandwich investors always considers is a strong currency at an all time high with a low interest rate.

The yen is almost there… too strong versus the US dollar in the perfect position to borrow!  Plus because the Chinese yuan is likely to rise versus the US dollar, the yuan is likely to rise versus the yen as well… which makes the idea of investments in China financed with yen loans especially strong now.

However before you make these investments, please let me remind you of several important lessons about risk we have learned in the past two decades of making and tracking Multi Currency Sandwich portfolios.  The longer you can hold a position the less likely you are to lose.

One lesson for example is that many portfolios that lost short term became profitable if held for the year. The lesson is that when a properly constructed portfolio is leveraged and diversified, it can be safe and profitable regardless of the underlying idea, if an investor sticks to his beliefs and does not panic during short term drops.

We also learned that past performance is no guarantee of future profits. The profitability of the portfolios changed dramatically based on varying entry and exit points! This reminded us that such high performance may not materialize for all and that we must plan our profit and loss potential.

These and other important lessons, plus the upcoming Japanese yen potential are why I am updating my report Borrow Low Deposit High. This report teaches how to Borrow Low & Deposit High and helps you learn the risk as well as the potential rewards.

This is also why we maintain close contact with Jyske Bank, Denmark’s second largest bank. Denmark is rated by Standard & Poor’s as the safest country in the world to bank in. Jyske Bank is the only bank we know that specializes in the Borrow Low Deposit High strategy. Jyske Bank is also one of the leading currency traders in the world. Unlike most banks (that trade only eight hours a day) Jyske maintains a 24 hour trading service. They have been our bank for over twenty years and help us stay informed about global equity markets, plus global currency parity and interest rate trends so we can learn from portfolios that are real time. What you learn from is actually happening as our service unfolds.

More importantly Jyske Bank provides a stable and safe institution for those who wish to employee a Borrow Low-Deposit High strategy based on what they learn.

Our emailed Borrow Low-Deposit High report can help you learn how to expand your profits with up to 400% loans just as our reports have helped thousands of readers do over the past twenty years.

You can learn why this profit is available in my new updated “Borrow Low-Deposit High–How to Use the Multi Currency Investment Sandwich” emailed report. This email report explains everything you need to know about how to create and invest in the Multi Currency Investment Sandwich.  (See details below.)

Tens of thousands of readers have purchased this report, and several updates, since it was first published in the 1980s. You however can have the most up to date edition at a $30 savings.

I am updating Borrow Low-Deposit High now. When the new update is complete it will be offered at $79.

This report will include ideas on were to invest in China and Russia (both neighbors of Japan)  now.

Finding the right Chinese investment requires care.  Take the WisdomTree Dreyfus Chinese Yuan Fund (Trading symbol CYB) as an example. This fund seeks to achieve total returns reflective of both money market rates in China available to foreign investors and changes in value of the Chinese Yuan relative to the U.S. dollar.

The fund invests in very short-term, investment grade instruments, so has a very low yield. However its yield since inception is 2.26% so this fund might pay the cost of the loan.

However the ideal is to borrow low-invest high, not borrow low-invest low… so we’ll be looking at Chinese investments with higher yield potential in the report.

You do not have to wait and miss this yen opportunity, buy our report “Borrow Low-Deposit High” for $49.  I will email it to you immediately… plus when the new update is complete, I’ll email that to you also… FREE.

The report helps you see why and where to invest and learn why and how currencies and interest rates rise and or fall.

Finally, as always you are protected by our 30 day completely satisfied or your money back guarantee

Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich… click here to get this emailed report for only $49.

Gary

Save $100 more. There is another important benefit you gain when you order my emailed report “Borrow Low-Deposit High”.  You can save $100 at the next Jyske seminar where I review this tactic.

Share strategies with me in California and Save.

I speak at the Jyske Global Asset Management’s April 30 – May 2 Foreign Exchange Investment Seminar in Laguna Beach, California.

The normal seminar fee is$499 or $750 for two.

However Jyske is providing the same discount to our premium subscribers (including those who order Borrow Low – Deposit High) as to their clients… $399 single and $599 for a couple.  You save $100…even though the emailed report “Borrow Low Deposit High” is only $49.

Order “Borrow Low-Deposit High – How to Use the Multi Currency Investment Sandwich”… click here to get this emailed report for only $49. Save $100 on JGAM’s California seminar.

See more on the JGAM California seminar here.

If you have questions about Jyske’s seminars contact Thomas Fischer of JGAM at fischer@jgam.com

See other ways to fight inflation here.

Read the entire article Japan’s economic growth rate revised down

Diversified International Portfolio


See an interesting diversified international portfolio strategy below.

There are several ways to beat the inevitable inflation we’ll see in the years ahead.

#1: Move to a country or place with a lower cost basis… like Ecuador or Smalltown USA.

#2: Learn how to earn extra income… and have fun in the process.

#3: Learn how to invest more wisely.

Merri and I use  all three of these tactics and in a moment we’ll share some  export income thoughts.

First here is an excerpt that looks at ways to invest more wisely from the latest message at my multi currency site:

One benefit of my business is getting to meet with and enjoy sharing ideas with numerous, very smart, investors. I consult with several of these investors on a regular basis.

jyske-bank

Meeting with two of my Danish advisers. Sharing global investment information is fun and of great value.

Some of these very smart people are my consultants.

Because the circumstances of these investors differs from Merri’s and mine, their portfolios also differ from mine…  so I study their philosophies a lot… to understand their worldviews…  to know the investments they make… to see how they manage risk in today’s every changing world… and to look for ways to incorporate their thinking into mine.

Here is a study of the strategy of one of the advisers I have worked with for over 20 years. This strategy is similar to mine… in three ways:

Strategy Element #1: High Diversification.

Strategy Element #2: Major focus on bonds.

Strategy Element #3: Low focus on equities and equities held are in high growth areas.

Here is a glimpse of this strategy.

A minimum of  85% of the portfolio is invested bonds and bond funds.

A minimum one third of the bonds are in investment grade bonds.   A maximum of one third are in corporate bonds with lower ratings (mostly below investment grade).

A maximum of 15% of the portfolio is invested in equities.

These equities are invested in

Sector #1: Energy.

Sector #2: Alternate Energy.

Sector #3: Natural Resources.

Sector #4: Water Supplies.

Sector #5:  Mineral Water.

Risk Aversion.

For diversification, there is a spread in as many bonds and equities as is possible to minimize the risk.

Leverage.

The portfolio is leveraged one time.  In other words for every hundred thousand of investment, another hundred thousand is borrowed and the loan invested.

Performance:

During the period September 2008 – April 2009, this portfolio went down more than 60%. Several banks used by the manager panicked and forced the sale of some investments that the manager (correctly) wanted to hold.

The manger sold some securities to lower the leverage at that time.

From April 2009 through December 2009 the portfolio rose 66%.

It has risen 4.3%  in the first 70 days of 2010 but is still well below its highest level in December 2007.

The losses in 2008 reduced the five year performance to a total 28% (appx. 5.5% per annum).

Sub Strategies.

Sub Strategy #1: Take advantage of the bond market and treat bonds like equities.

The manager says: The bond market was out of control from October 2008 through April 2009.  Many bonds were not able to be sold at all.   This was a perfect time to invest in bonds because until to-day only one bond has been settled with a real loss – and paid back only 13 cents on the dollar.   This loser was Mecachrome.

Five bonds are still not cleared:  Turanamel – NXP – Titan – Cordere – General Motors.

I think that the final losses of these bonds will be around 60% of the paid price and 0% interest for the period held.

Strategy #2:  Average down on losing bonds.

He added: In March 2009 we doubled up on nine of our ten worst performing bonds.  General Motors bonds are the only bonds we did not purchase further.

NXP came up with an offer of 32 cents on the dollar.  We instantly bought two times the value the existing NXP bonds represented in our portfolio.   Today the bonds are selling at 95 cents on the dollar.

This bond appreciation was one of the reason for our high performance in 2009. This and the fact that we had belief in this strategy (and maintained our positions).

There was an article at this time about the very bad performing corporate bonds.  This article showed that yileds were so high on these speculative grade bonds, even if half of them went bankrupt – the yield would still be higher than in government Bonds.  This article  were correct!

I bought Subordinated Capital Bonds in Den Danske Bank (Perpetual) quoted in GBP (British pounds) at 40 cents on the dollar in August 2009.  Today the price is over 80 cents on the dollar.

The effective interest at time of purchase was over 26%.

You can learn Sub Strategy #3 to Invest in growth equities and which markets this manager focuses on as a Multi Currency Subscriber.

You can learn more about investing strategies from Jyske Bank and Jyske Global Asset management as well.

Jyske-bank

I have introduced thousands of investors to Jyske over the years and continue to do so.  Here is a recent introduction, Jean Marie Butterlin from France,  who just moved to Cotacachi and will who conduct our shamanic tours… meeting in Quito with Peter Laub of Jyske Global Asset Management Copenhagen.

Share strategies with me on California.

Join Merri and me when I speak at Jyske Global Asset Management’s April 30 – May 2 Foreign Exchange Investment Seminar in Laguna Beach California.

The normal seminar fee is$499 or $750 for two.

However Jyske is providing the same discount to our premium subscribers (you) as to their clients… $399 single and $599 for a couple.

See more on the JGAM California seminar here.

There is a benefit beyond the important investing information you gain when attending the JGAM California seminar.

Every second year Jyske Bank conducts a global investing seminar in Copenhagen.  This is without question one of the most powerful investing seminars you can attend at any time.

Those who attend JGAM’s April/May California Foreign Exchange Seminar can apply the California enrollment fee as a credit towards the Copenhagen seminar fee.

See more on the Copenhagen seminar at Speakers and seminar packages JGAM

If you have questions about Jyske’s seminars contact Thomas Fischer of JGAM at fischer@jgam.com

Ecuador Export Strategy

One of the most powerful economic forces of the past century that will be with us for quite some time is the expansion of the global economy.

Participating in this expansion can be fun, fulfilling and profitable.  Creating any type of cross border business activity… in ideas, products or services… is a type export business.

This is a way to earn income as well as help the world… people engaged in enriching their lives do not have time to fight!

At our recent Super Thinking, Plus Spanish Course…. we included an Ecuador export table set up by Bonnie Keough, our export tour leader.

ecuador-spanish

Here is delegate Barbara Humphrey taking a look.

ecuador-spanish

She found some jewelry she liked!

Bonnie provides a perfect example of the benefits of earning through exports.  She enjoys extra income… loves having a chance to travel to new interesting countries and has found that she as a niche market at markets set up by the Cultural Survival Organization.

Her exports help create employment for poor people in Ecuador and…

ecuador-exports

included jewelry…

ecuador-exports

handmade soaps and…

ecuador-exports

food supplements.

Whether you goal is to reduce your cost of living… increase your income… enhance the return on your investments or all, having an international view increases your choices… enhances your opportunity and does the world good.

Gary

Learn how to gain earning freedom with Ecuador exports.

Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Mid Coast Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito & Mindo Real Estate Tour ($499 or couple $749)

Learn how to export Ecuador flowers and much more.

Learn more about Ecuador Roses here

Ecuador-christmas-roses

Learn how Fedex delivers Ecuador Easter lilies to your home.

ecuador-floral-information

Learn more about our May 9-12, 2010 Cotacachi Super Thinking Plus Spanish course here.

May 9-12       Super Thinking + Spanish Course, Cotacachi Ecuador

May  13-14    Ecuador Shamanic Mingo

May  16-17    Imbabura Real Estate Tour

May  19-20    Coastal Real Estate Tour

May  22-23    Quito Real Estate Tour

May  25-26    Cuenca Real Estate Tour

You enjoy discounts by attending multiple seminars and tours.

Here are our multi tour adventure discounts.

Two Pack… 2 seminar courses & tours $998 Couple  $1,349 Save $149 on couple

Three Pack… 3 seminar courses & tours   $1399 Couple  $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours   $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours  $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours  $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Here is the balance of our 2010 schedule.

June 24       Quantum Wealth North Carolina

June 25-27    International Investing and Business North Carolina

June 28-29    Ecuador Travel & Andes

June 30-Jul 1 Imbabura Real Estate Tour

2010 Summer Schedule

July 3-4      Coastal Real Estate Tour
July 6-7      Quito Real Estate Tour
July 9-10     Cuenca Real Estate Tour

Sept.   3-6   Ecuador Export Tour
Sept.   8-9   Imbabura Real Estate Tour
Sept. 11-12   Coastal Real Estate Tour
Sept. 14-15   Cuenca Real Estate Tour
Sept. 17-18   Ecuador Shamanic Mingo

Oct.    7     Quantum Wealth North Carolina
Oct.   8-10   International Investing & Business North Carolina
Oct.   11-12  Travel to Quito and Andean Tour
Oct.  13-14   Imbabura Real Estate Tour
Oct.  16-17   Coastal Real Estate Tour
Oct.  19-20   Quito Real Estate Tour
Oct. 22-23    Cuenca Real Estate Tour

Nov.    4-7   Super Thinking + Spanish Course Florida
Nov.    8-9   Travel to Quito and Andean Tour
Nov. 10-11    Imbabura Real Estate Tour
Nov. 13-14    Coastal Real Estate Tour
Nov. 16-17    Quito Real Estate
Nov. 19-20    Cuenca Real Estate Tour

Dec.   3-5    Ecuador Shamanic Mingo
Dec.   7-8    Imbabura Real Estate Tour
Dec.  10-11   Coastal Real Estate Tour
Dec. 13-14    Quito Real Estate Tour
Dec. 16-17    Cuenca Real Estate Tour

Jyske Foreign Exchange Seminar


Jyske Global Asset Management’s upcoming foreign exchange seminar is important because one of the biggest challenges we face, as investors, is foreign exchange.

jyske-bank

At the time when we need more overseas expertise most overseas banks have abandoned US investors… due to the complications the US government has thrown in the way of banks.

Since I have worked with and personally used Jyske Bank for around 25 years I am most thankful that Jyske was one of the few overseas banks that went to the trouble of creating a subsidiary (Jyske Global Asset Management – JGAM) that can serve US investors.

Having this overseas experience has grown in importance because multi currency investing now requires more than just investing in various currencies.

Jyske-bank

I have introduced thousands of investors to Jyske over the years and continue to do so.  Here is a recent introduction, Jean Marie Butterlin from France,  who just moved to Cotacachi and will who conduct our shamanic tours… meeting in Quito with Peter Laub of Jyske Global Asset Management Copenhagen.

In the 1970s-80s choosing a strong currency was easy. The US government was conducting a “Guns and Butter” policy that cost more than the government’s income.

This was bad on the dollar’s value and this deficit spending caused the US dollar to fall versus industrialized currencies where governments (especially Germany and Japan) were more fiscally prudent.

Then the prudent governments learned deficit spending as well…Germany to finance the buy back of East Germany….Japan to bail out an economic meltdown. Other (most in fact) governments hopped on the deficit spending band wagon as well.  Plus the euro was invented… a real mess… as the investing world is seeing now.

So today we face the loss of purchasing power of many currencies, all over the world, all at the same time.

Investing in the playground of currencies is like trying to choose the rising end of the teeter totter, when all the teeter totters are going down a slide.

Since the yen is up and the euro low, for the moment.  I am still betting on the dollar’s fall… especially since I can borrow dollars at 1.75% and invest in other currencies that earn 4.5% to 6%.

jyske-bank

Recently Thomas Fischer Senior VP of JGAM and my account manger Anders Nielsen visited Merri and me at our home near Mt. Dora, Florida.

We reviewed my foreign exchange tactic which has been and remains to invest in a spread of European (non euro) and emerging currencies that pay a higher yield that the US dollar.   Plus we are  buying good value real estate.

I am currently not leveraged much (about 5% of my portfolio) but am looking at shifting my loan from dollar to yen.

My portfolio is aimed at fighting inflation and US and Ecuador real estate is a part of my armory.

You can see  my personal currency breakdown as a Multi Currency Investing subscriber

I will review my portfolio and look at the latest ways to fight inflation and take advantage of foreign exchange loans at JGAM’s April-May Foreign Exchange  Seminar in Laguna Beach, California.

There are two important additions that have been added to this seminar.

First, JGAM has finished preparations so they can offer a new Foreign Exchange Managed Portfolio. They will introduce this portfolio and present this product for the first time in Laguna Beach.

JGAM will offer this Managed FX Portfolio to clients with a risk profile of medium risk and higher.

Jyske-bank

Thomas and Anders are on the new investment committee that will manage JGAM’s foreign exchange portfolio.

Medium risk investors can have 100% leverage, high risk,  200% leverage and speculative investors 400% leverage with a minimum of $100,000.

This portfolio will be managed by an investment committee that includes… JGAM, senior VP Thomas Fischer, a former currency trader, plus my account manager Anders Nielsen along with Bente Larnkaer and Henrik Tjott.

The portfolio will take positions in different currency pairs using stop losses to limit downside risk.  Profits will be protected by trailing stop losses that protect positions.

The portfolio is founded on strategic positions rather than shorter term day trading and the committee regulates leverage depending on their view and confidence any any one position. Any single position in a currency pair cannot exceed 25% of the overall position.

This first addition is important because Jyske Bank’s Jyske Markets is one of the most active currency traders in the world. JGAM is independent and has access to Jyske Market’s great knowledge and trading facilities as well as other major trading firms.

About Jyske Markets

Jyske Markets is the financial trading center of the Jyske Bank Group, trading, equities, bonds, foreign exchange, commodities and providing macro economic analyses.  Forex trading is run from Jyske’s global trading hub in Silkeborg, Denmark on a 24 hour trading basis. They trade over $50 billion a day.

Recently Jyske Markets added Front Arena, IT systems by SunGard that provide  global solutions for position control across multiple asset classes and business lines. This extension provides Jyske’s 24-hour foreign exchange spot trading desk with real-time positions, P&L and risk management.

Front Arena helps Jyske manage its positions and risk for a wide variety of FX instruments through the provision of a single platform for all its trading activity. This helps Jyske ensure that it has transparency, and helps reduce the risks that can occur when operating more than one system. Jyske went live on the system on the 29th November, 2009 with the FX trading capabilities added to the bank’s use of Front Arena for interest rates, fixed income and equity trading.

SunGard’s Front Arena helps customers to build a true cross-asset class platform – extending from low volume exotic transactions all the way through to the high volume dealing activities of the FX and cash equity markets, including exchange connectivity and order management.

Second, delegates participating in Laguna Beach can deduct the fee from the cost of Jyske’s full blown International Investment seminar in Copenhagen this August.   This will be a real seminar and I have learned that Bjorn Lomborg, author of “The Sceptical Environmentalist. has now been confirmed as one of the speakers.

I have spoken at seminars with Bjorn before and his excellent insights into green investments should be required reading for all investors in the environmentally sensitive era.

You can get full details about JGAM’s April 30 t May 2 Foreign Exchange seminar in Laguna Beach from Thomas Fischer at fischer@jgam.com

I hope to meet you in Laguna Beach!

Gary

Or meet Merri and me this Thursday in Mt Dora. We have three spaces left for March 11-14 Super Thinking + Spanish Course, Mt. Dora, Fl.

Learn Spanish in four days as you increase your intelligence.  Join Merri and me in Mt. Dora this week!

Then join our Ecuador Living team and  travel to Quito March 15, 2010.

March 16 Travel Quito to Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

Two Pack… 2 seminar courses & tours $998 Couple  $1,349 Save $149 on couple

Three Pack… 3 seminar courses & tours   $1399 Couple  $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours   $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours  $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours  $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $3,500.

If you join the International Club, the entrance fee for 2010 is $3,500.  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $3,500 Enroll here

International Club Three Monthly Payments of $1,190

Our Spring 2010 schedule starts April. 12-15 with our Ecuador Export Expedition Tour ($499 or couple $749)

Here are clay figurines that you will see on the Ecuador export tour.

Ecuador-exports-clay-jewels

These clay necklaces at the gallery are great models for Ecuador exports as well.

Ecuador-exports-clay-necklace

Stay on and look at Ecuador real estate opportunity.

Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Mid Coast Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito & Mindo Real Estate Tour ($499 or couple $749)

Here is the balance of our 2010 schedule.

May 9-12       Super Thinking + Spanish Course, Cotacachi Ecuador
May  13-14    Ecuador Shamanic Mingo
May  16-17    Imbabura Real Estate Tour
May  19-20    Coastal Real Estate Tour
May  22-23    Quito Real Estate Tour
May  25-26    Cuenca Real Estate Tour

June 24       Quantum Wealth North Carolina
June 25-27    International Investing and Business North Carolina
June 28-29    Ecuador Travel & Andes=
June 30-Jul 1 Imbabura Real Estate Tour
July 3-4      Coastal Real Estate Tour
July 6-7      Quito Real Estate Tour
July 9-10     Cuenca Real Estate Tour

Sept.   3-6   Ecuador Export Tour
Sept.   8-9   Imbabura Real Estate Tour
Sept. 11-12   Coastal Real Estate Tour
Sept. 14-15   Cuenca Real Estate Tour
Sept. 17-18   Ecuador Shamanic Mingo

Oct.    7     Quantum Wealth North Carolina
Oct.   8-10   International Investing & Business North Carolina
Oct.   11-12  Travel to Quito and Andean Tour
Oct.  13-14   Imbabura Real Estate Tour
Oct.  16-17   Coastal Real Estate Tour
Oct.  19-20   Quito Real Estate Tour
Oct. 22-23    Cuenca Real Estate Tour

Nov.    4-7   Super Thinking + Spanish Course Florida
Nov.    8-9   Travel to Quito and Andean Tour
Nov. 10-11    Imbabura Real Estate Tour
Nov. 13-14    Coastal Real Estate Tour
Nov. 16-17    Quito Real Estate
Nov. 19-20    Cuenca Real Estate Tour

Dec.   3-5    Ecuador Shamanic Mingo
Dec.   7-8    Imbabura Real Estate Tour
Dec.  10-11   Coastal Real Estate Tour
Dec. 13-14    Quito Real Estate Tour
Dec. 16-17    Cuenca Real Estate Tour

Ecuador Investments


The excerpt below is from a recent password protected multi currency message that shares ideas about Ecuador investments.

Beginning of excerpt.

A reader asked:  Gary—Does the fact that Ecuador real estate is also dollar based have anything to do with your current sales of your Ecuador real estate?

And what would be the prospects or recommendations for an individual to buy Ecuador real estate in the future if their portfolio is already “heavy” in
USA real estate?

Reply.

My taking profits on Ecuador real estate has nothing to do with the fact that Ecuador real estate is denominated in US dollars.

I view real estate as a currency and look beyond the currency. I expect real estate to  strengthen against any currency with inflation… so the denomination of the currency is not all that important.

There are times when a currency’s purchasing power drops so fast that real estate does not keep up. This is rare… and during the lag, there is a really good time to buy real estate.

An example was the melt down of Ecuador’s currency in 2000. The sucre fell from 12,000 sucre per US dollar to 25,000 in just a couple of weeks.  Real estate prices did not double anywhere as fast.

I was buying Ecuador real estate heavily then, which is one reason I am selling now as you will see below.

Normally real estate to me is just a view of another currency.

I am heavily weighted in real estate in Ecuador, Florida, Georgia and North Carolina right now for three reasons.

First, I see real estate as a better bet than most currencies at this time. The economic downturn of 2007 and 2008 lowered real estate prices… creating good value.  The stock market recovered and has not been such a good value… though it may be correcting now.   The real estate market has not recovered to such an extent.

An excerpt from the January 23 article in the Economist entitled  “Still in the Cellar Small signs of recovery cannot shift the general gloom” confirms this fact when it says:

WHEN American house prices finally started rising in June last year, ending a three-year decline, homeowners and economists rejoiced. The steep plunge in values, about 33% nationally from peak to trough, caused widespread damage in the American economy and abroad. The stabilisation of prices turned out to be a precursor to broader economic recovery.

Since bottoming out between May and June, prices have ticked upwards every month, while sales have risen from their recession lows. And yet gloom persists. The pace of foreclosures has not abated, and there has been no improvement in employment in residential construction.

Worse still, the momentum now seems to be ebbing.  Mortgage applications for purchases fell sharply in November, to their lowest level since 1997. Confidence among home-builders declined in November for a second consecutive month. And figures released on January 20th showed that new housing construction, which recovered from the record lows of early 2009 to plateau late last year, fell by 4% between November and December. The fear is that prices will soon start to fall again, touching off another round of pain for homeowners, workers and banks.

Read the entire article at The Housing Market

Second,  Merri and I have a lot of experience in buying and fixing up real estate and use this experience and our imagination to enhance the value of what we buy.   We truly enjoy that process and often don’t enjoy holding, using and/or renting.

I have written about our buying and selling on numerous occasions.  See more about this at Ecuador Real Estate & Imagination.

I buy and sell real estate in areas that enhance our lifestyle and where we see a bargain. We are continually churning our real estate portfolio.  Three years ago I sold seven condos I bought in Cotacachi while I was buying other condos on the Ecuador beach.

That did not mean I did not like the condos in Cotacachi or did not like Cotacachi any more.  In fact the next year and I bought an office building in Cotacachi and converted that to condos.

We do not keep real estate that we are not using for long.  We buy special properties with a problem… fix the problem… keep the property long enough to have a capital gain instead of income and take a profit.

In 2005, while I was buying real estate in Ecuador I was also buying condos in Naples, Florida.  We lived in the condos part time and sold them in early 2007 (luckily at the top of the market)…  and as the Florida market tumbled we began waiting and watching for more Florida bargains.

Third, this last year we have had special reasons (our grandson and the Florida RE crash being two of them) to focus on real estate in Florida… but we remain well diversified at the same time.   We are especially putting extensive capital into building our Ecuadorian publishing and tour organization.  We doubled the number of tours we conducted in 2009 and this year we have doubled them again.

Two years ago we did 12 Ecuador tours. This year we’ll do nearly 50.

Now Merri is researching Oregon coastal real estate… looking for bargains… not because the Oregon Coast is better than Florida, North Carolina or Ecuador… but because our next two grandchildren are three and one years old.   Thoughts of spending time with them in a few years is enough to draw our attention there now.  Also, my sister and her husband have craved a property on the Oregon coast and it looks as if we will have to find it for them.

Diversifying currencies is important and being concerned about the fate of the US dollar vital… but there is more than to a bottom line than percentage points and statistics.

End of Multi Currency excerpt.

You can read this entire article with a multi currency subscription.

Sadly at this time when American investors need more multi currency investments and a better global view, overseas banks are increasingly restricted from helping US investors.  This increase in regulations has created so many more regulations on banks that numbers of overseas banks who have the ability to help honest Americans have stopped accepting all US investors.

Yet at this crucial time when the US dollar has great fundamental weakness, US banks have little experience in helping any of us invest in other currencies.

This means there will be an increase in the number of Americans who develop multi currency portfolios and global businesses.

Jyske Bank has stayed with us Yanks and formed Jyske Global Asset Management. They spent millions creating a system that can give US investors a full currency and global investment service in the US, Ecuador or wherever they live.  This is why I will  be speaking at Jyske Global Asset Managers forex seminar in Laguna Beach this April . See details here.

Real estate, if you like investing in it, can be one of your hard currencies along with your own business and gold.  Real estate is a commodity always needed that will fight inflation and can add other forms of richness to our lives as well.

Gary

Join Merri and me or our Ecuador Living staff in March 2010

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

Two Pack… 2 seminar courses & tours $998 Couple  $1,349 Save $149 on couple

Three Pack… 3 seminar courses & tours   $1399 Couple  $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours   $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours  $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours  $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $3,500.

If you join the International Club, the entrance fee for 2010 is $3,500.  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $3,500 Enroll here

International Club Three Monthly Payments of $1,190

Our Spring 2010 schedule starts:

Apr. 12-15   Ecuador Export Tour ($499 or couple $749)
Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Mid Coast Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito & Mindo Real Estate Tour ($499 or couple $749)

Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749)

The multi tour discounts remain effective for the April tours.